The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$43,221
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,565
−HK$1,366/mo
Today · 4.125%
HK$45,931
baseline
▲ 0.50% · 4.625%
HK$48,726
+HK$2,795/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$91,862/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,083
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,372
−HK$1,309/mo
Today · 4.125%
HK$50,681
baseline
▲ 0.50% · 4.625%
HK$53,352
+HK$2,671/mo
Deposit HK$9.48M · loan HK$9.48M · min. income ≈ HK$101,362/mo (50% DSR)
Upfront cash ≈ HK$10.19M (deposit + AVD stamp duty HK$710,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,865
−HK$3,253/mo
▼ 0.25% · 3.875%
HK$53,478
−HK$1,640/mo
Today · 4.125%
HK$55,118
baseline
▲ 0.50% · 4.625%
HK$58,471
+HK$3,353/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$110,236/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,699
−HK$3,118/mo
▼ 0.25% · 3.875%
HK$59,247
−HK$1,570/mo
Today · 4.125%
HK$60,817
baseline
▲ 0.50% · 4.625%
HK$64,023
+HK$3,206/mo
Deposit HK$7.58M · loan HK$11.37M · min. income ≈ HK$121,634/mo (50% DSR)
Upfront cash ≈ HK$8.29M (deposit + AVD stamp duty HK$710,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,509
−HK$3,795/mo
▼ 0.25% · 3.875%
HK$62,392
−HK$1,912/mo
Today · 4.125%
HK$64,304
baseline
▲ 0.50% · 4.625%
HK$68,217
+HK$3,913/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$128,608/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,316
−HK$3,637/mo
▼ 0.25% · 3.875%
HK$69,121
−HK$1,832/mo
Today · 4.125%
HK$70,953
baseline
▲ 0.50% · 4.625%
HK$74,693
+HK$3,740/mo
Deposit HK$5.69M · loan HK$13.27M · min. income ≈ HK$141,906/mo (50% DSR)
Upfront cash ≈ HK$6.40M (deposit + AVD stamp duty HK$710,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,798
−HK$4,878/mo
▼ 0.25% · 3.875%
HK$80,218
−HK$2,458/mo
Today · 4.125%
HK$82,676
baseline
▲ 0.50% · 4.625%
HK$87,707
+HK$5,031/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$165,352/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,549
−HK$4,676/mo
▼ 0.25% · 3.875%
HK$88,870
−HK$2,355/mo
Today · 4.125%
HK$91,225
baseline
▲ 0.50% · 4.625%
HK$96,034
+HK$4,809/mo
Deposit HK$1.90M · loan HK$17.06M · min. income ≈ HK$182,450/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$710,792 · Scale 2, in force from 26 Feb 2026)